Build credit

Spend your money with the Step Card and make every purchase help your credit history.

Get cashback

Turn spending into savings with unlimited cashback on everyday purchases.

No fees required

Save more with no monthly fees, no annual fees, and no security deposit.

Banking that rewards you and builds credit

Everyday spending just got an upgrade, and there are no monthly fees. Build credit every time you use your Step Card and set up qualifying direct deposits to unlock unlimited cashback, savings rewards, and Step EarlyPay.

Banking that rewards you and builds credit

Create your account

Mobile Phone Number

By providing your phone number, you agree to our Terms, Mobile Terms and Privacy Policy. Tap “Sign Up Now” to provide consent to receive promotional and transactional SMS messages. We will send a verification code via text or automated voice call to confirm your phone number. Message frequency and data rates apply. Reply HELP for help or STOP to cancel.

Step is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Step Visa Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

The Step Visa Card is designed to help build positive credit history. Positive history is reported on and related only to your Step Visa card activity, subject to your account remaining in good standing, to Transunion®, Experian®, and/or Equifax®. We do not have control over your credit scores generated by the credit bureaus. Even when we report positive credit history on your Step Visa card, your overall credit history and scores, as built by the credit bureaus, may be impacted by your financial activity outside of your Step Visa card (including any other Step loan products or other external activity).